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ANNUAL
REPORT
our vision
To be the Bank of Choice
in our communities,
including employees,
customers and
shareholders.
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2014
Message From the President
Financial Highlights
Report of Independent Registered
Public Accounting Firm
Consolidated Balance Sheets
Consolidated Statements
of Earnings
Board of Directors and Officers
Subsidiaries
Shareholder and General
Information
Locations
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Back
from the president
2014 represented the 102nd year of
service to the community by Peoples
Bancorp of North Carolina, Inc., the
parent company of Peoples Bank. We
are delighted to report that net earnings
amounted to $9.4 million or $1.67
basic net earnings per share and $1.66
diluted net earnings per share for the
year ended December 31, 2014. These
results represented the second highest
year of net earnings in Peoples Bancorp’s
history. Net earnings for the year ended
December 31, 2013 were $6.7 million or
$1.19 basic and diluted net earnings per
share, before adjustment for preferred
stock dividends and accretion.
Net earnings available to common
shareholders were $9.4 million or $1.67
basic net earnings per common share and
$1.66 diluted net earnings per common
share for the year ended December 31,
2014, as compared to $6.0 million or
$1.08 basic net earnings per common
share and $1.07 diluted net earnings
per common share, for the year ended
December 31, 2013. The increase in
year-to-date earnings was primarily due
to an increase in net interest income and
a decrease in the provision for loan losses,
which were partially offset by an increase
in non-interest expense and a decrease in
non-interest income.
An ongoing focus for us is the
preservation of our capital
base. We have continued to
maintain a capital ratio that
exceeds regulatory guidelines
resulting in our designation as
a “well-capitalized“ financial
institution. At December 31,
2014, total shareholders’ equity
amounted to $98.7 million, or
9.5% of total assets as compared
to $83.7 million, or 8.1% of total assets
as of December 31, 2013. The Board
of Directors declared quarterly cash
dividends throughout 2014, amounting
to a total of $0.18 per share.
While total assets remained constant at
$1.0 billion for both December 31, 2014
and 2013, we were encouraged to realize
loan growth of 5.0% during 2014. Total
loans were $651.9 million at December
31, 2014 as compared to $621.0 million
at December 31, 2013. We are also
pleased to report that non-performing
assets declined to $12.7 million or 1.2%
of total assets as of December 31, 2014,
compared to $16.4 million or 1.6% of
total assets as of December 31, 2013.
The decline in non-performing assets
consisted of a $3.1 million decrease
in non-accrual loans and an $882,000
decrease in loans 90 days past due and
still accruing, with such decreases being
partially offset by a $337,000 increase in
other real estate owned. The allowance
for loan losses at December 31, 2014
was $11.1 million or 1.7% of total loans,
compared to $13.5 million or 2.2%
of total loans at December 31, 2013.
Management believes the current level of
the allowance for loan losses is adequate;
however, there is no assurance that
additional adjustments to the allowance
will not be required because of changes
in economic conditions, regulatory
requirements or other factors.
Deposits amounted to $814.7 million at
December 31, 2014, compared to $799.4
million at December 31, 2013. Core
deposits, which include noninterest-
bearing demand deposits, NOW,
MMDA, savings and non-brokered
certificates of deposit of denominations
less than $250,000, increased $20.7
million to $755.8 million at December
31, 2014, as compared to $735.1 million
at December 31, 2013. We are pleased
with the continued level of growth in
core deposits as such deposits represent
the least costly source of funding on our
balance sheet.
Strategically, we feel that Peoples Bank
is appropriately positioned to capitalize
on opportunities that will lead toward
the fulfillment of our corporate vision
of becoming “the Bank of Choice”
in the communities we serve. The
manifestation of our corporate vision is
directly attributable to our professional
banking associates who consistently
demonstrate commitment and
dedication to our mission of providing
exceptional customer service while
selling to customer needs. I wish to
thank each of them for their efforts and
accomplishments that have successfully
differentiated our customer-centered
approach in the marketplace.
The Directors of Peoples Bancorp have
also played a vital role in the successful
year we have experienced. They
consistently look for ways to enhance
shareholder value. We are grateful for
their investment of time as they provide oversight relative
to Peoples Bancorp’s financial condition and applicable
policies and procedures. Please join me in thanking them
for their commitment.
In addition to Peoples Bank, which operates as a wholly
owned subsidiary of Peoples Bancorp, we would like to
remind you of our three subsidiary companies – Peoples
Investment Services, Inc., Real Estate Advisory Services,
Inc., and Community Bank Real Estate Solutions, LLC -
which provide valuable financial resources in conjunction
with our suite of traditional banking services. At Peoples
Investment Services, licensed financial advisors provide
access to investment products, which include stocks, bonds,
mutual funds, annuities, and other suitable monetary
investments through our affiliation with Raymond James
Financial Services, Inc. Real Estate Advisory Services, Inc.
continues to provide real estate appraisals (both residential
and commercial) to Peoples Bancorp’s market area, thereby
becoming a valued partner with respect to mortgage-
related transactions. Community Bank Real Estate
Solutions, LLC was created in response to the Dodd-Frank
Act to assist community banks across the country with
appraisal management services.
As a shareholder, we invite you to join us for our Annual
Meeting of Shareholders scheduled for Thursday, May 7,
2015. The meeting will be held at Catawba Country Club
beginning at 11:00 A.M. We appreciate your loyalty, and
we hope you will consider recommending our services to
your colleagues and communities. Thank you for your
continued support of Peoples Bank and Peoples Bancorp.
Sincerely,
Lance A. Sellers
President and Chief Executive Officer
Joseph F. Beaman, Jr.
Executive Vice President,
Chief Administrative Officer,
and Corporate Secretary
a special thank you
Long-time executive officer Joe Beaman will retire this year.
The Board of Directors wishes to extend a special “Thank
You” to him for the significant contributions he has made to
Peoples Bank during his 38 year career. During that time,
he exercised his unique people skills to become a wonderful
“bridge” between the bank and all its constituents, notably,
as a respected voice to our shareholders. Because he is a
pillar in the bank’s communities, and because he is highly
regarded by so many, it is understandable that our goodbye
is considered bittersweet by those that have been honored
to work with him.
Mr. Beaman has been an instrumental part of the Bank’s
growth and consistent performance through the years.
He joined Peoples Bank on August 1, 1977 and during
his tenure, has worn many hats, including Assistant Vice
President, Internal Auditor and Compliance Officer, Vice
President of Operations, and Executive Vice President,
Chief Financial Officer. He currently serves as the
Executive Vice President, Chief Administrative Officer
and Corporate Secretary of Peoples Bank and the
Executive Vice President and Corporate Secretary of
Peoples Bancorp of North Carolina, Inc.
Upon retirement, we expect that his high level of
community involvement will continue. We also expect
that he will substantially increase the time he spends acting
under one of his favorite titles, grandpa. One thing of
which we are certain is that his wisdom, hard work and
love for people will inspire the Bank for many years to come.
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2014ANNUALREPORTOUR MISSION TO PROVIDE EXCEPTIONAL CUSTOMER SERVICE WHILE SELLING TO CUSTOMER NEEDS.
financial highlights
report of audit
(Dollars in thousands, except per share amounts)
2014 2013 +/-
Interest income
Interest expense
Net interest earnings
Provision for loan losses
Net interest earnings after provision for loan losses
Non-interest income
Non-interest expense
Income taxes
Net earnings
Dividends and accretion of preferred stock
Net earnings available to common shareholders
PER SHARE OF COMMON STOCK
Basic net earnings
Diluted net earnings
Cash dividends
Market price at December 31
Book value at December 31
AT YEAR-END
Loans, net
Available for sale securities
Assets
Deposits
Shareholders’ equity
$
$
$
$
KEY PERFORMANCE RATIOS
Return on average assets
Return on average shareholders’ equity
Dividend payout ratio*
Average shareholders’ equity to total average assets
* As a percentage of net earnings available to common shareholders.
38,420
4,287
34,133
(699)
34,832
12,164
35,671
1,937
9,388
—
9,388
1.67
1.66
0.18
17.99
17.58
640,809
281,099
1,040,494
814,700
98,665
0.91%
9.69%
10.88%
9.35%
5%
-20%
9%
-127%
21%
-4%
9%
3%
40%
-100%
56%
55%
55%
50%
27%
18%
5%
-6%
1%
2%
18%
36,696
5,353
31,343
2,584
28,759
12,652
32,841
1,879
6,691
656
6,035
1.08
1.07
0.12
14.18
14.91
607,459
297,890
1,034,684
799,361
83,719
0.65%
6.67%
11.17%
9.79%
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
To the Board of Directors and Shareholders
Peoples Bancorp of North Carolina, Inc.
Newton, North Carolina
We have audited, in accordance with the standards of the Public Company Accounting Oversight Board
(United States), the consolidated balance sheets of Peoples Bancorp of North Carolina, Inc. as of December 31,
2014 and 2013, and the related consolidated statements of earnings, comprehensive income (loss), changes in
shareholders’ equity and cash flows for the years then ended (not presented herein); and in our report dated
March 25, 2015, we expressed an unqualified opinion on those consolidated financial statements.
In our opinion, the information set forth in the accompanying condensed consolidated financial statements is
fairly stated, in all material respects, in relation to the basic consolidated financial statements from which it has
been derived.
Atlanta, Georgia
March 25, 2015
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235 Peachtree Street NE | Suite 1800 | Atlanta, Georgia 30303 | Phone 404.588.4200 | Fax 404.588.4222
2014ANNUALREPORT
consolidated balance sheets
consolidated statements of earnings
December 31, 2014 and 2013 (dollars in thousands)
ASSETS
Cash and due from banks, including reserve requirements
of $12,569 and $11,472
Interest-bearing deposits
Cash and cash equivalents
Investment securities available for sale
Other investments
Total securities
Mortgage loans held for sale
Loans
Less allowance for loan losses
Net loans
Premises and equipment, net
Cash surrender value of life insurance
Other real estate
Accrued interest receivable and other assets
Total assets
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Non-interest bearing demand
NOW, MMDA & savings
Time, $250,000 or more
Other time
Total deposits
Securities sold under agreements to repurchase
FHLB borrowings
Junior subordinated debentures
Accrued interest payable and other liabilities
Total liabilities
Commitments and Contingencies
Shareholders’ equity:
Series A preferred stock, $1,000 stated value; authorized 5,000,000 shares; no
shares issued and outstanding
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding
5,612,588 shares in 2014 and 5,613,495 shares in 2013
Retained earnings
Accumulated other comprehensive (loss) income
Total shareholders’ equity
Total liabilities and shareholders’ equity
See Appendix A to the Peoples Bancorp of North Carolina, Inc. Proxy Statement,
dated March 27, 2015, for a complete set of Consolidated Financial Statements.
2014 2013
For the Years Ended December 31, 2014, 2013 and 2012
(dollars in thousands, except per share amounts)
2014 2013 2012
$
$
$
$
51,213
17,885
69,098
281,099
4,031
285,130
1,375
651,891
(11,082)
640,809
17,000
14,125
2,016
10,941
1,040,494
210,758
407,504
47,872
148,566
814,700
48,430
50,000
20,619
8,080
941,829
49,902
26,871
76,773
297,890
4,990
302,880
497
620,960
(13,501)
607,459
16,358
13,706
1,679
15,332
1,034,684
195,265
386,893
49,168
168,035
799,361
45,396
65,000
20,619
20,589
950,965
—
—
48,088
45,124
5,453
98,665
1,040,494
48,133
36,758
(1,172)
83,719
1,034,684
INTEREST INCOME:
Interest and fees on loans
Interest on due from banks
Interest on investment securities:
U.S. Government sponsored enterprises
States and political subdivisions
Other
Total interest income
INTEREST EXPENSE:
NOW, MMDA & savings deposits
Time deposits
FHLB borrowings
Junior subordinated debentures
Other
Total interest expense
Net interest income
(Reduction of) provision for loan losses
Net interest income after provision for loan losses
NON-INTEREST INCOME:
Service charges
Other service charges and fees
Gain on sale of securities
Mortgage banking income
Insurance and brokerage commissions
Loss on sales and write-downs of other real estate
Miscellaneous
Total non-interest income
NON-INTEREST EXPENSE:
Salaries and employee benefits
Occupancy
Other
Total non-interest expense
Earnings before income taxes
Income tax expense
Net earnings
Dividends and accretion of preferred stock
Net earnings available to common shareholders
Basic net earnings per common share
Diluted net earnings per common share
Cash dividends declared per common share
$
$
$
$
$
30,305
65
2,995
4,677
378
38,420
499
1,188
2,166
389
45
4,287
34,133
(699)
34,832
4,961
1,080
266
804
701
(622)
4,974
12,164
17,530
6,251
11,890
35,671
11,325
1,937
9,388
—
9,388
1.67
1.66
0.18
30,194
85
1,639
4,427
351
36,696
732
1,650
2,518
398
55
5,353
31,343
2,584
28,759
4,566
1,172
614
1,228
661
(581)
4,992
12,652
16,851
5,539
10,451
32,841
8,570
1,879
6,691
656
6,035
1.08
1.07
0.12
32,758
51
2,746
3,403
287
39,245
1,180
3,205
2,744
438
129
7,696
31,549
4,924
26,625
4,764
1,940
1,218
1,229
517
(1,136)
4,005
12,537
16,426
5,236
10,120
31,782
7,380
1,587
5,793
1,010
4,783
0.86
0.86
0.18
See Appendix A to the Peoples Bancorp of North Carolina, Inc. Proxy Statement,
dated March 27, 2015, for a complete set of Consolidated Financial Statements.
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2014ANNUALREPORT directors and officers
subsidiaries
PEOPLES BANK AND PEOPLES BANCORP BOARD OF DIRECTORS
Robert C. Abernethy
Chairman of the Board
Peoples Bancorp of North Carolina, Inc.
and Peoples Bank
President, Secretary and Treasurer
Carolina Glove Company, Inc.
James S. Abernethy
President and Assistant Secretary
Midstate Contractors, Inc.
Douglas S. Howard
Vice President, Secretary and Treasurer
Denver Equipment of Charlotte, Inc.
John W. Lineberger, Jr.
President
Lincoln Bonded Warehouse Company
Gary E. Matthews
President and Director
Matthews Construction Company, Inc.
Billy L. Price, Jr., M.D.
Practitioner of Internal Medicine
BL Price Medical Consultants, PLLC
Larry E. Robinson
President and Chief Executive Officer
The Blue Ridge Distributing Company, Inc.
W. Gregory Terry
General Manager
Drum and Willis-Reynolds
Funeral Homes and Crematory
Dan Ray Timmerman, Sr.
Chairman of the Board and
Chief Executive Officer
Timmerman Manufacturing, Inc.
Benjamin I. Zachary
President, Treasurer, General Manager and
Director, Alexander Railroad Company
PEOPLES BANCORP OFFICERS
Lance A. Sellers
President and
Chief Executive Officer
Joseph F. Beaman, Jr.
Executive Vice President
and Corporate Secretary
A. Joseph Lampron, Jr.
Executive Vice President,
Chief Financial Officer and Corporate
Treasurer
William D. Cable, Sr.
Executive Vice President,
Assistant Corporate Treasurer and
Assistant Corporate Secretary
PEOPLES BANK OFFICERS
Lance A. Sellers
President and Chief Executive Officer
Joseph F. Beaman, Jr.
Executive Vice President, Chief
Administrative Officer and Corporate
Secretary
A. Joseph Lampron, Jr.
Executive Vice President,
Chief Financial Officer
William D. Cable, Sr.
Executive Vice President,
Chief Operating Officer
Kimberly L. Boyd
Senior Vice President,
Banking Support Manager
Jeffrey P. Gniadek
Senior Vice President, Area Executive
Rafael Intriago
Senior Vice President, Banco de la Gente
Retail Director
WALTER C. JOYCE
Senior Vice President,
Chief Technology Director
James O. Perry
Senior Vice President,
Retail Banking Manager
David E. Reitzel
Senior Vice President,
Real Estate Administration
Daniel F. Richard
Senior Vice President, Area Executive
Mark W. Sigmon
Senior Vice President, Area Executive
Timothy P. Turner
Senior Vice President, Commercial Credit
Kimberly D. Bazzle
First Vice President, Marketing Director
J. LaShae Bock
First Vice President,
Human Resources Director
David C. Brown
First Vice President,
Certified Financial Planner
George S. Earp
First Vice President, Finance Director
Jan G. Griffin
First Vice President,
Loan Operations Director
Leslie D. Hambrick
First Vice President, Internal Auditor
M. Beth LaBarbera
First Vice President,
Regional Sales Manager
Connie P. Ollis
First Vice President,
Compliance/Security Officer
Lucretia K. Rogers
First Vice President,
Regional Sales Manager
Kyle E. Sigmon
First Vice President, Consumer Credit
Jody G. Street
First Vice President, Area Executive
Angela J. Abernethy
Vice President,
Treasury Management Manager
carol r. allen
Vice President,
Business Center Manager, Maiden
Martha P. Avendano
Vice President, Sales Relationship Manager
suzanne l. blackwell
Vice President, Mortgage Sales Manager
Velvet L. Bowman
Vice President, Service Center Manager
Wendy E. Cordero
Vice President, Banco de la Gente
Mortgage Manager
Kay F. Deal
Vice President,
Business Center Manager, Conover
Roger G. Decato
Vice President,
Business Development Officer
James R Durham
Vice President, Financial Advisor
heather n. edwards
Vice President,
Business Center Manager, Mooresville
barbara w. erwin
Vice President, Commercial Credit
Mark W. Gustafson
Vice President,
Investment Account Executive
Tommie A. Hall
Vice President, Loan Documentation
Lamona J. Harbinson
Vice President,
Electronic Banking Manager
Diane L. Klein
Vice President,
Business Center Manager, Viewmont
David S. Lewis, Jr.
Vice President,
Business Development Officer
brenda k. mash
Vice President,
Business Center Manager, Denver
Bruce E. Meisner
Vice President, REAS Manager
Paula M. Parker
Vice President, Business Center Manager,
Catawba Valley Blvd
wesley s. pittman
Vice President, Business Center Manager,
Lincolnton/West Lincoln
Lynn H. Poole
Vice President,
Business Center Manager, Catawba
Krissy O. Price
Vice President,
Assistant Corporate Secretary
andrew r. puntch
Vice President, Application & Project
Management Manager
Hight D. Reid
Vice President,
Business Development Officer
Jeanette R. Ringley
Vice President,
Business Center Manager, Newton
Shawn D. Sigmon
Vice President,
Mortgage Department Manager
robert d. spencer
Vice President, Business Center Manager
dominick Vertorano
Vice President,
Business Center Manager, Cornelius
Allison J. Taylor
Vice President,
Business Center Manager, Springs Road
Vickie E. Miller
Vice President, Retail Support Coordinator
Wendy H. Moran
Vice President,
Business Center Manager, Triangle
Lisa G. Treadaway
Vice President,
Deposit Operations Manager
Ryan M. Waddle
Vice President,
Business Development Officer
PEOPLES BANCORP SUBSIDIARY
BOARD OF DIRECTORS
AND OFFICERS
Community Bank Real Estate Solutions, LLC
Board of Directors
Robert C. Abernethy
David E. Reitzel
Dan Ray Timmerman, Sr.
Lance A. Sellers
Officers
David E. Reitzel - President
Lance A. Sellers - Vice President
Joseph F. Beaman, Jr. - Secretary
A. Joseph Lampron, Jr. – Treasurer
PEOPLES BANK SUBSIDIARIES’
BOARD OF DIRECTORS AND
OFFICERS
Peoples Investment Services, Inc.
Board of Directors
Robert C. Abernethy
Billy L. Price, Jr., M.D.
David C. Brown
Larry E. Robinson
Douglas S. Howard
Lance A. Sellers
William D. Cable, Sr.
Officers
Lance A. Sellers - President
David C. Brown - Vice President and Assistant Secretary
Joseph F. Beaman, Jr. - Secretary
A. Joseph Lampron, Jr. – Treasurer
Real Estate Advisory Services, Inc.
Board of Directors
Robert C. Abernethy
Dan Ray Timmerman, Sr.
David E. Reitzel
Lance A. Sellers
Officers
David E. Reitzel – President
Lance A. Sellers – Vice President
Bruce Meisner – Vice President
Joseph F. Beaman, Jr. – Secretary
A. Joseph Lampron, Jr. – Treasurer
SHAREHOLDER AND GENERAL
INFORMATION
Annual Meeting
The Annual Meeting of Shareholders of Peoples Bancorp will be
held at 11:00 a.m. on Thursday, May 7, 2015, at the Catawba Country
Club located at 1154 Country Club Road, Newton, North Carolina.
Shareholders’ Luncheon
Shareholders in attendance at the Annual Meeting are cordially
invited to remain for a luncheon to be served immediately upon
adjournment.
Common Stock
Peoples Bancorp common stock is listed on the NASDAQ (National
Association of Securities Dealers Automated Quotations) Global
Market, where our symbol is PEBK.
Dividend Reinvestment
& Stock Purchase
Peoples Bancorp offers a Dividend Reinvestment and Stock
Purchase Plan for the benefit of the Company’s shareholders. The
Plan provides for the full or partial reinvestment of cash dividends,
optional cash purchases of the Company’s stock, safekeeping of
the share certificates, liquidation of shares, and gifting of shares
and enrollment of the designated recipients.
Broadridge Corporate Issuer Solutions, Inc. is the Plan
Administrator. For more information, one may call Peoples
Bancorp at 828-464-5620 or 800-948-7195 or contact the Plan
Administrator at 855-263-4988.
Shareholders of Peoples Bancorp are entitled to receive dividends
when and as declared by the Board of Directors out of funds
legally available therefore.
Such dividend payments are declared based upon the guidelines of
North Carolina and federal banking law.
Corporate Office
Peoples Bancorp of North Carolina, Inc.
518 West C Street
PO Box 467
Newton, NC 28658
828-464-5620
Stock Transfer
Agent & Registrar
Broadridge Corporate Issuer Solutions, Inc.
P.O. Box 1342
Brentwood, NY 11717
www.broadridge.com
Independent Auditors
Porter Keadle Moore, LLC
235 Peachtree Street, NE
Suite 1800
Atlanta, GA 30303
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2014ANNUALREPORT core values
Employees - We are valued so we add value.
Integrity - We are fair and truthful.
Exceptional Customer Service - We surpass our customers’ expectations.
Accountability - We are accountable for our own actions and each other.
Progressive and Positive - We see change as an opportunity.
Catawba
106 North Main Street
Catawba, NC 28609
(828) 241-3123
Catawba Valley Boulevard
2050 Catawba Valley Blvd. SE
Hickory, NC 28602
(828) 322-6372
Claremont
3261 East Main Street
Claremont, NC 28610
(828) 459-7152
Conover
213 1st Street West
Conover, NC 28613
(828) 464-8456
Cornelius
9624-I Bailey Road
Cornelius, NC 28031
(704) 237-9270
Denver
6125 Highway 16 South
Denver, NC 28037
(704) 483-3050
Hiddenite
5153 NC Highway 90 East
Hiddenite, NC 28636
(828) 632-0118
(704) 585-6631
Lincolnton
1910 East Main Street
Lincolnton, NC 28092
(704) 732-0097
Maiden
200 Island Ford Road
Maiden, NC 28650
(828) 428-9874
Mooresville
1074 River Highway
Mooresville, NC 28117
(704) 658-3600
Newton
420 West A Street
Newton, NC 28658
(828) 464-5663
North Newton
2619 North Main Avenue
Newton, NC 28658
(828) 464-8664
Springs Road
3310 Springs Road NE
Hickory, NC 28601
(828) 256-9229
Triangle
142 Highway 16 South
Denver, NC 28037
(704) 483-7727
(704) 827-2370
Viewmont
1333 2nd Street NE
Hickory, NC 28601
(828) 345-6262
West Lincoln
760 Highway 27 West
Lincolnton, NC 28092
(704) 736-1447
Satellite Location
Abernethy Laurels
102 Leonard Avenue
Newton, NC 28658
(828) 464-3077
Denver Loan
Production Office
3754 Highway 16 North
Denver, NC 28037
(704) 489-8940
Banco de la Gente
Administrative Office
800 East Arrowood Road
Charlotte, NC 28217
(704) 909-5460
Banco de la Gente
6350 South Boulevard
Charlotte, NC 28217
(704) 554-7494
Banco de la Gente
4451-A Central Avenue
Charlotte, NC 28205
(704) 531-4571
Banco de la Gente
501 West Roosevelt Boulevard
Monroe, NC 28110
(704) 261-2020
Banco de la Gente
3023-105 Capital Boulevard
Raleigh, NC 27604
(919) 747-8000
BANCO DE LA GENTE
LOAN PRODUCTION
OFFICE
2000 Avondale Drive
Durham, NC 27704
(919) 747-8003
Peoples Bancorp Center
518 West C Street
PO Box 467
Newton, NC 28658
(828) 464-5620
Toll-free (800) 948-7195
Customer Service Center
(828) 466-1765
Toll-free (877) 802-1212
TheRealPeoplesBank.com